Privacy Policy

Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Fill out a contact form on our website
• Request a consultation or quote
• Subscribe to our newsletter or communications
• Contact us via email or phone
• Apply for insurance products or services

This information may include:

• Name and contact information (email address, phone number, mailing address)
• Company name and business information
• Number of employees
• Health and medical information (only as required for insurance applications)
• Financial information (only as required for insurance applications)
• Social Security Number (only when required for policy applications)

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on pages
• Referring website addresses
• Clickstream data

How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide customer service
• Process insurance applications and provide quotes
• Communicate with you about services, updates, and promotions
• Improve our website and services
• Comply with legal obligations and industry regulations
• Prevent fraud and enhance security
• Analyze usage patterns and optimize user experience

How We Share Your Information

We may share your information with:

Insurance Carriers and Providers

We share your information with insurance companies and service providers to obtain quotes, process applications, and administer policies. This includes carriers such as Blue Cross Blue Shield, United Healthcare, Cigna, National Life Group, and others.

Service Providers

We may share information with third-party service providers who assist us with website hosting, email delivery, analytics, and other business operations. These providers are contractually obligated to protect your information.

Legal Requirements

We may disclose your information when required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure storage of personal information
• Limited access to personal information by authorized personnel only
• Regular security assessments and updates

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us at [email protected] or call (512) 690-0075.

Cookies and Tracking Technologies

We may use cookies, web beacons, and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Analyze site traffic and usage patterns
• Improve website functionality and user experience

You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us immediately.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect and how it's used
• The right to delete personal information (subject to exceptions)
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or regulation. Insurance records may be retained for extended periods as required by state and federal regulations.

Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated Privacy Policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

Insurance-Specific Privacy Notice

As a licensed insurance agent, we are subject to additional privacy requirements under the Gramm-Leach-Bliley Act (GLBA) and state insurance regulations. We are required to protect the confidentiality of your nonpublic personal information and may only disclose such information as permitted by law, including:

• To insurance companies to process your applications and service your policies
• To third parties with your consent
• To comply with legal requirements
• To service providers who assist with our business operations

You have the right to opt-out of certain information sharing practices. For more information about your rights under insurance privacy laws, please contact us.